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Role of Cooperative Banks and Societies in Kerala's Agriculture © 2021 JETIR February 2021, Volume 8, Issue 2 www.jetir.org (ISSN-2349-5162) Role of Cooperative Banks and Societies in Kerala’s Agriculture Sector Amala George Assistant professor Department of Economics, St Pius X College Rajapuram India. Abstract: This study has been undertaken to investigate the role of credit cooperative societies including cooperative banks in supporting agricultural sector of Kerala. This paper attempts to understand the growth of cooperative agricultural credit societies in Kerala through a descriptive study. The cooperative sector has played a key role in the economy of Kerala. Cooperative credit societies are flourishing in Kerala. Expanding number of societies shows the popularity of cooperative credit for agricultural and allied purposes. Credit is becoming an important input in agriculture. Cooperative credit is offered through different schemes. Cooperative banks are one of the accessible and reliable source of institutional agricultural credit in the rural economy and always recognized as an integral part of our national economy. Cooperatives have ideological base and economic goals with a social perspective. Key words - Cooperative Bank, Agricultural Credit, Rural cooperative credit societies, credit schemes 1.1 Introduction India is an agrarian economy with a 70% population depending on agriculture for their livelihood. Credit is one of the major factors that affect agriculture development. There are mainly two sources of agricultural credit; non-institutional (money lenders, friends, relatives, etc...) and institutional source (Cooperative banks, Regional Rural Banks, and Commercial Banks). Institutional source of agriculture credit aims to finance agriculture at low cost. In agriculture dominated rural sector, cooperative banks play a vital role in aiding the common individual and financing his business and private needs. They provide advances for the agrarian needs in the rural agricultural sector at various stages of agricultural production. The cooperative credit structure has started supporting Indian society in 1904 and since then it has seen several ups and downs. Despite several limitations such as restriction of the area of operations, limited clients, a small volume of business, political interference. The cooperative movement in Kerala has started in 1914 and continuing for the last 107 years and expanding its operations and widening itself. Cooperative banks and cooperative credit societies are major facilitators of agricultural credit in Kerala. The agriculture sector of Kerala has undergone several changes as part of the structural change taking place in the economy. The economy of Kerala is shifting away from agriculture which is evident from the shrinking labor force participation rate and depleting sectoral contribution of SGDP from the primary sector. Cooperative banks and credit societies have played a key role in supporting the agriculture activities in Kerala being a major source of institutional agriculture credit. 1.2 Objectives i. To understand the growth of cooperative credit societies in Kerala. ii. To examine the flow of cooperative bank credit to agriculture sector in Kerala. iii. To study the performance of different schemes of cooperative agriculture bank credit. 1.3 Statement of Problem Kerala's rural credit system is unique in its reach and diversity. Besides the basic role of financial intermediaries, the Cooperative banks play a unique role in accelerating agricultural growth and support countries continuing efforts to reduce poverty and inequality. The agrarian economy of Kerala has largely been capital-starved and was under the control of indigenous moneylenders, who exploited the poor farmers in many ways. The cooperative movement in Kerala originated as a measure against rural poverty, aggravated by the chronic indebtedness of the farmers and the practice of usury at its worst by the moneylenders. Agricultural credit has been disbursed through a multiagency network consisting of commercial banks, regional rural banks, and cooperatives. Cooperative institutions both short-term and long-term emerged over the years as the prime institutional agency. For the dispensation of agricultural credit. Agricultural credit has been disbursed through a multiagency network consisting of commercial banks, regional rural banks, and cooperatives. Cooperative institutions both short-term, and long-term emerged over the years as the prime institutional agency. For the dispensation of agricultural credit. The study tries to examine the growth of cooperative credit societies and cooperative credit advanced over the years. 1.4 Method of Data Collection A descriptive study is conducted to understand the role of cooperative bank credit in the agriculture sector of Kerala. The study was confined to Kodiyathur panchayat. There is only one cooperative bank for rural agricultural credit in the panchayat. The study made use of both primary and secondary data. Primary data were collected using field surveys and discussions with bank manager staff and customers in Kodiyathur Service Cooperative bank and its branches. They were personally interviewed with the help of a predesigned questionnaire. Secondary data were collected from the bank's annual reports, office of the Registrar of Cooperative societies, Kerala, RBI website, NSSO publications, Govt. of Kerala website, and other journals. The data collected are arranged and represented graphically. JETIR2102268 Journal of Emerging Technologies and Innovative Research (JETIR) www.jetir.org 2189 © 2021 JETIR February 2021, Volume 8, Issue 2 www.jetir.org (ISSN-2349-5162) 1.5 Limitation The study tries to analyze the performance of the bank in the field of agricultural credit only. The study completely excluded loans given to industrial and tertiary sectors. So the findings of the study cannot reflect the overall performance of the bank. The present study also didn't take into account the impact of different agricultural schemes on the beneficiaries. i. The responds of agricultural credit borrowers depend on their trustworthiness. ii. Errors can occur in getting the correct information. iii. Study is limited to concept of cooperative and agricultural credit. 1.6 Review of Literature A study conducted by P K Singh and L M Upadhya Upadhya1 entitled 'a study of loan recovery of the regional rural bank in Bihar' found that inadequate arrangements for recovery of the loan amount were the reason for the low recovery they also found will full default on the part of the borrowers. Crop failure, expenditure on marriage, and other social functions in the family were considered the important factors for nonpayment of loans from the point of view of borrowers. Devadas2 (1987) in his book entitled 'cooperative banking and economic development' studied the role of Assam cooperative apex bank in the economy of the state'. He found that apart from working as a commercial bank it had to discharge three other functions; i.e. finance primary credit societies, act as a banking center for primary societies, and undertake supervision of primary societies. He found that the bank had not been able to achieve much in these three fields due to a lack of adequate support from the Govt. of the state. Jagdish Prasad and Sunil Kumar3, in their study, 'Role of the cooperative bank' found that role of cooperative banks in covering the weaker section of borrowers had been satisfactory. The study also revealed that the bank had covered a larger number of marginal and small farmers while lending to the farming community. A study entitled 'credit payment performance of borrowers of cooperative bank: A case study' by K Nagi Reddy and Rathna Kumari4 found that repayment performance is better among small farmers than marginal farmers and agricultural laborers. In an article entitled ‘Agricultural financing in changing perspective: An overview’. Dr. Rajagopal5 emphasized the importance of institutional finance to agriculture. This study pointed out the main reasons for increasing over dues in institutional lending to, failure in the supply of loan, under financing, over financing, absence of proper credit marketing linkage, misapplication of loan, etc… Suresh6 in his study commented that cooperatives in Kerala have not only satisfied viability conditions but also far better than their counterparts in the rest of India under all norms. Nanjudappa7 in his study suggests that for speeding up agricultural development, an issue like according industries status to agriculture is relevant and even crucial. It is obvious because several incentives including tax holidays, capital subsidies, and high protection were given to the industry to promote its faster development. Badmin and Singh8 in their study examined the role of cooperative in agricultural finance and the nature and extent of cooperative loans. Finally ,they concluded that cooperatives play the vital role in agricultural planning Vaikunthel9 in his study suggests that the adequate loans should be to small and medium farmers to save them and other agencies. The loans, given by the supervised in order to ensure that optimum utilization of cooperatives credit available. II ROLE OF COOPERATIVE SOCIETIES/BANKS IN AGRICULTURE CREDIT 2.1 History of Co- operative movement in Kerala The co-operative movement in Kerala is one of the most vibrant Co-operative movements in the Country. About 15624 Co-operative Societies are functioning under the administrative control of the Registrar of Co-operative Societies, of which
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